this post was submitted on 29 Sep 2024
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That just looks like weathering. I have some similar cracks (... that I really do need to get to sooner or later...), it just needs repointed to prevent further water intrusion (take out the old mortar and put new mortar in).
I would not bother your insurance company with this.
That's a huge relief. The stairstep pattern following the big crack had me worried.
Thank you so much!
Not OP, nor a builder.
Why not get a professional to take a look? Cost would be nothing compared to the potential risk and peace of mind.